A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$hooks is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$config is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$log is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$uri is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$router is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$output is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$security is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$input is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$lang is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 132
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 294
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 168
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 237
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 317
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 282
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 289
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 304
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 317
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 375
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 110
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 143
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$email is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pdf is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$db is deprecated
Filename: core/Loader.php
Line Number: 396
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pagination is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/models/Pagemodel.php
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pagemodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$email is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pdf is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pagination is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pagemodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A Divided Court Finds Additional Insured Coverage is Enforceable Across New York
A Divided Court Finds Additional Insured Coverage is Enforceable Across New York
On March 27, 2018, the New York Court of Appeals, in a matter of first impression for the stateaEUR(TM)s highest court, held that a direct contract was required to confer automatic additional insured status under common policy language.
Gilbane Bldg. Co./TDX Constr. Corp. v. St. Paul Fire & Marine Ins. Co. , 143 A.D.3d 146 (1st DepaEUR(TM)t 2016),
affaEUR(TM)d , __N.Y.3d__, 2018 WL 1473553 (Mar. 27, 2018).
Many standard blanket additional endorsements often confer additional insured status on entities aEURoewith whomaEUR? the named insured has agreed in contract to name as additional insured. The Court of Appeals found that the contract must be directly between the named insured and the entity seeking coverage to create additional insured status. In practice, the problem is that general contractors often require subcontractors to name the project owners as additional insureds, but the owners rarely contract directly with the subcontractors regarding additional insured status. So, contrary to the partiesaEUR(TM) intent, the owner does not qualify as an additional insured because it did not have a direct contract with the named insured subcontractor. And under the Court of Appeals decision in
Gilbane, it is going to stay that way.
The disputed portion of the policyaEUR(TM)s additional insured provision reads:
WHO IS AN INSURED (Section II) is amended to include as an insured any person or organization with whom you have agreed to add as an additional insured by written contract but only with respect to liability arising out of your operations or premises owned by or rented to you.
(Emphasis added.)
On appeal to the Court of Appeals, a 5-2 majority of the court found that the provision was clear and unambiguous, despite arguments to the contrary, and that well-settled rules of contract interpretation require it to be enforced as written. The majority emphasized that in a coverage dispute the language of the insurance policy is the touchstone of the analysis. In dissecting the provision, the majority explained that to achieve the interpretation argued by Gilbane, the word aEURoewithaEUR? from the phrase aEURoewith whomaEUR? would have to ignored. But, relying on the principle that a court must apply a aEURoefair meaning to all of the languageaEUR? used by the parties, no single word can be merely discarded for a more favorable interpretation.
Of course, various other additional insureds endorsements contain broader automatic additional insured language, which when applied according to their plain language would not require contractual privity. The takeaway is not just that automatic insured status cannot be assumed when a contract requires it, it cannot be automatically discounted either. The specific language of the additional insured endorsement must be considered.
VIEW RATINGS FOR INSURERS
Enter name of Insurance Company and press GO button.
© 2026 AGENTSOFAMERICA.ORG. ALL RIGHTS RESERVED
